Employee Benefits

Benefits that attract, retain & protect your people.

Your employee benefits program is one of your largest expenses and most important recruiting tools. We design, negotiate, and manage group benefits that balance cost control with competitive positioning.

Call (800) 755-3469
Group Health
Optimized
Total cost of risk
Dental & Vision
PPO+
Network options
Disability
STD/LTD
Income protection
Group Life
Portable
Retention tool
Voluntary
$0 Cost
To employer
Administration
Full-Service
Year-round
The Challenge

Rising costs shouldn't mean shrinking benefits.

Healthcare costs continue to rise, making it harder to offer competitive benefits without straining your budget. Many employers accept their renewal increases as inevitable — but they're not.

With the right strategy, plan design, and carrier leverage, you can control costs while improving the benefits your employees depend on.

Unchecked renewal increases
Most brokers pass renewals through without negotiation. Average employers overpay by 5–15% simply because no one pushed back.
Talent attrition risk
Inadequate benefits drive top performers to competitors. A weak package costs more in turnover than it could ever justify.
Compliance exposure
ACA reporting, ERISA filings, and state mandates change constantly. Non-compliance penalties can reach $100+ per employee per day.
Coverage Areas

Full-service benefits consulting

We design, negotiate, and manage every component of your employee benefits program.

01

Group Health & Medical

Fully insured & self-funded

Fully insured and self-funded plan options from national and regional carriers. Plan design consulting, contribution modeling, and ACA compliance support.

02

Dental & Vision Plans

PPO, DHMO & voluntary

PPO, DHMO, and voluntary dental plans paired with vision coverage. Network optimization and cost-sharing analysis to maximize employee satisfaction.

03

Short & Long-Term Disability

Income protection

Income protection for your workforce with plan designs that coordinate with state mandates and existing benefits. Executive carve-out options available.

04

Group Life & AD&D

Portable & supplemental

Basic employer-paid and supplemental voluntary life insurance. Portability options and accelerated benefit riders for key talent retention.

05

Voluntary Benefits

$0 cost to employer

Accident, critical illness, hospital indemnity, pet insurance, legal plans, and identity theft protection. Enhance your benefits package at no cost to the employer.

06

Benefits Administration

Full-service year-round

Technology platform evaluation, open enrollment support, employee communication materials, and year-round HR consultation.

Our Value

Why clients choose us

Annual Benchmarking

We benchmark your plan design, contribution strategy, and renewal rates against industry and regional peers — so you know exactly where you stand.

Carrier Negotiation

We leverage our volume and carrier relationships to negotiate competitive renewals. Average clients see 5–15% improvement over prior broker renewals.

Compliance Support

ACA reporting, ERISA compliance, COBRA administration guidance, and state mandate tracking. We keep you out of trouble.

Employee Communication

Custom open enrollment guides, benefit summary videos, and decision-support tools that help employees understand and appreciate their benefits.

Employee Benefits

Ready to rethink your benefits strategy?

Let us benchmark your current program and show you what's possible.

Call (800) 755-3469
01
Benefits audit
We review your current plans, costs, and employee utilization data.
02
Market analysis
We benchmark against competitors and negotiate with top-tier carriers.
03
Program rollout
You receive a competitive benefits package with enrollment support and ongoing management.
Helpful answers

Frequently asked questions

What employee benefits can you help manage?

The practice advises on group medical, dental, vision, disability, life, voluntary benefits, carrier negotiations, benchmarking, enrollment support, and compliance coordination.

Can an existing benefits plan be benchmarked?

Yes. An advisor can compare plan design, employee contributions, carrier pricing, network access, and utilization against relevant market benchmarks.

Do you support annual enrollment and renewals?

Yes. Support may include renewal analysis, carrier marketing, employee communications, enrollment planning, and ongoing service throughout the plan year.

Neil Jesani Risk Management
© 2026 BeamaLife Corporation, DBA Neil Jesani Risk Management LLC. All rights reserved.Established 2007 · Nationwide presence
Comprehensive insurance for individuals & businesses.